Methodology

Calculator math

All payment calculators use standard amortization: M = P·r·(1+r)^n / ((1+r)^n − 1), with r = APR ÷ 12 and n = months. A 0% APR divides principal evenly. Every page computes instantly in your browser — no data leaves your device.

Rate sourcing rules

• Official public sources only: the Federal Reserve G.19, Freddie Mac PMMS, FRED, the CFPB, and Federal Student Aid.
• Every benchmark stores its publisher, exact source URL, publication period (as_of), and retrieval date.
• If a figure cannot be captured from an official source, we publish no number — the page links the official source with a "see the latest published figure" note instead.

What we never do

• We never invent lenders, rates, statistics, authors, or credentials. Pages are bylined to the Editorial Team.
• We never present a national average as an offer — your rate depends on creditworthiness and the lender's disclosure governs.
• We never give financial advice. Pages are educational estimates; consult a qualified professional.